My New Markets
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Personal Article Floaters – Inland Marine
Market Detail: National Risk Solutions covers personal items including swords, comic book collections, fine wine, fine art, jewelry, engagement rings, firearms, furs, cameras, collectibles, memorabilia, and more. Scheduled or blanket coverage available. No maximum value. Minimum premium is $250.
Available limits: Minimum $10,000, maximum $10 million.
Carrier: Various, admitted and non-admitted available.
States: All states.
Contact: Morgan Domingue at 866-417-4855, ext. 401 or e-mail: mdomingue@nrsiansurance.com.
Marina/Boat Repair & Service Centers
Market Detail: Atlass Insurance Group ‘s coverages include CGL, hull, watercraft liability, business interruption, equipment, property, piers & docks, marina operators’ legal, excess liability.
Available limits: As needed.
Carrier: Unable to disclose.
States: All states.
Contact: Customer service at 800-330-3370.
Insurance for Nonprofits
Market Detail: Riverport Insurance Co. provides a package of property, general liability, sexual abuse & molestation, professional liability, automobile, crime, and excess liability coverages to nonprofit and for-profit social service organizations through its Human Services Program. Riverport Insurance Co. is a member of W. R. Berkley Corp.
Available limits: As needed.
Carrier: Riverport Insurance Co.
States: All states except Ala., Alaska, Fla., Ind., Ky., La., Maine, Mass., Miss., N.J., N.Y., Okla., and Texas.
Contact: Wade Warren at 612-766-3357 or e-mail: wwarden@riverportinsurance.com.
One Day Event Insurance
Market Detail: ACT Insurance Program offers one day event insurance for vendors attending craft fairs, art festivals, farmers markets, tradeshows, and more. Show and event policies starting at $39. Quick online purchase process available. Learn more about coverage details and policy exclusions by visiting our website.
Available limits: As needed.
Carrier: Unable to disclose, admitted and non-admitted available.
States: All states except D.C.
Contact: Customer service at 888-568-0548.
Auto & Home for Civil Servants
Market Detail: Civil Service Employees Insurance Co. (CSE) was founded in 1949 in San Francisco, Calif., to furnish insurance at equitable rates to clients and promote the interests and welfare of public employees. CSE grew out of the efforts of Nelson Nichols, a 20-year postal veteran. Nichols’ vision for civil servants was to form and own an insurance company that would provide competitive rates for public sector employees. Any business that comes from other agents CSE generally split commissions and/or add a broker fee for servicing the account.
Available limits: Maximum $3 million.
Carrier: CSE.
States: Calif. Only.
Contact: Customer service at 800-557-4119.
Freight Broker Bonds
Market Detail: exbondsonline.com offers BMC 84 bonds for freight brokers. Preferred and non-preferred rates. $75,000 bond for the Federal Motor Carrier Safety Administration available.
Available limits: As needed.
Carrier: Unable to disclose.
States: All states.
Contact: Lamon Warnock at 678-450-8003 or e-mail: lamon@warnockagency.com.
Employment Agencies
Market Detail: World Wide Specialty Programs Inc. offers coverage for employment agencies, including: fidelity; E&O; employee benefits; professional liability; cyberliability; technology E&O; care/custody/control; blanket waivers; workers’ comp; fidelity bonds; GL; property; umbrella; nonowned & hired auto; auto commercial-standard; EPLI; blanket additional insureds; miscellaneous professional liability; identity theft; and sexual misconduct liability.
Available limits: As needed.
Carrier: Unable to disclose, admitted and non-admitted available.
States: All states except D.C.
Contact: Dorothy Taylor at 866-927-2004, ext. 114 or e-mail: dtaylor@wwspi.com.
Rental Dwellings on Commercial Form
Market Detail: Red Shield Insurance Co. covers rental dwellings with no maximum number. The program is designed to meet the needs of the individual property owner who has three or more rental dwellings and does not qualify for personal lines coverage. One single-family dwelling will be considered if written as an LLC, corporation or trust. Basic eligibility guidelines include: exterior needs to show pride of ownership; photos are preferred on all homes; special form and replacement cost are available for dwellings under 25 years old; and for those with acceptable roof, electrical and plumbing updates; acceptable loss runs; smoke and carbon monoxide detectors per code.
Available limits: As needed.
Carrier: Unable to disclose.
States: Idaho, Ore., Utah, and Wash.
Contact: Jim Brown at 503-226-4146 or e-mail: jbrown@redshield.com.
Septic Tank and Sewer Industry Liability Program
Market Detail: WaterColor Management has A++ rated specific liability insurance program for the septic tank and sewer industries. Includes maintenance companies; portable toilet companies; septic tank materials, equipment suppliers and manufacturers; and sewer and septic tank installers. This program providers liability coverage including commercial general liability; completed operations liability; pollution (on-site & work site, including HAZMAT); products liability; professional liability; employee benefits liability and employment practices. Other coverages offered are bonds; crime; commercial auto; excess pollution; excess liability; equipment breakdown; hired and non-owned auto; inland marine; property and workers compensation. Limits offered: $1 million occurrence/$3 million aggregate limit, general & professional; $1 million defense costs; $500,000 on-site pollution coverage; $25,000 off-site pollution clean-up; $250,000 employee benefits liability; $250,000 employment related practices; $100,000 fire legal liability; $10,000 medical (upon request); and more.
Available limits: Minimum $1 million, maximum $10 million.
Carrier: Unable to disclose, non-admitted.
States: All states except Alaska and Hawaii.
Contact: Customer service at 256-260-0412.